Individuals

Now is the time to take charge of your financial future. We will help you set financial goals and help you achieve them, whatever they may be. From basic checking accounts to money markets, certificates of deposit, our experienced professionals can help devise a plan that’s right for you. Check out some of our products below.

Cubs Checking

FREE ATMS NATIONWIDE1

NO MINIMUM BALANCE REQUIRED

NO MONTHLY MAINTENANCE FEES

ONLY $100 NEEDED TO OPEN

ONLINE & MOBILE BANKING2

REMOTE DEPOSIT2

ONLINE BILL PAY2

E-STATEMENTS2

PERSON-TO-PERSON PAYMENTS2

CARDLESS CASH2

CUBS DEBIT CARD!3

Chicago Cubs trademark and copyrights proprietary to Chicago Cubs. Used with permission. 1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

White Sox Checking

FREE ATMS NATIONWIDE1

NO MINIMUM BALANCE REQUIRED

NO MONTHLY MAINTENANCE FEES

ONLY $100 NEEDED TO OPEN

ONLINE & MOBILE BANKING2

REMOTE DEPOSIT2

ONLINE BILL PAY2

E-STATEMENTS2

PERSON-TO-PERSON PAYMENTS2

CARDLESS CASH2

WHITE SOX DEBIT CARD!3

Chicago White Sox trademark and copyrights proprietary to Chicago White Sox. Used with permission. 1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

Total Access Checking

FREE ATMS NATIONWIDE1

NO MINIMUM BALANCE REQUIRED

NO MONTHLY MAINTENANCE FEES

ONLY $100 NEEDED TO OPEN

ONLINE & MOBILE BANKING2

REMOTE DEPOSIT2

ONLINE BILL PAY2

E-STATEMENTS2

PERSON-TO-PERSON PAYMENTS2

CARDLESS CASH2

DEBIT CARD3

1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Surcharge fees assessed by owners of other ATMs outside the network will be reimbursed. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.

Access Plus Checking

FIVE FREE NATIONWIDE ATM REFUNDS PER STATEMENT CYCLE1

ONLY $100 NEEDED TO OPEN

$1,000 MINIMUM DAILY BALANCE OR $2,500 AVERAGE BALANCE FOR THE MONTHLY STATEMENT CYCLE TO AVOID A $10 MONTHLY FEE

VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY

FREE FIRST ORDER OF SPECIALTY CHECKS2

ONLINE & MOBILE BANKING3

REMOTE DEPOSIT3

ONLINE BILL PAY3

E-STATEMENTS3

PERSON-TO-PERSON PAYMENTS3

CARDLESS CASH3

DEBIT CARD4

1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to five (5) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per statement cycle. Reimbursement does not include the 1.10% International Service fee charged by the bank for certain foreign transactions conducted outside the continental United States. 2. Restrictions on style and quantity may apply. 3. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 4. Overdraft fees may apply.

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per calendar month with no transfers by check, draft, or similar order to third parties. More than eighteen (18) withdrawals in a calendar quarter may be charged an excessive transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.

1. Transfers from a money market account to an account of the same depositor at this bank or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six (6) per monthly statement cycle. More than six (6) withdrawals in a monthly statement cycle may be charged an excessive transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

1 Month

3 Months

6 Months

12 Months

18 Months

24 Months

30 Months

36 Months

48 Months

60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1000.00.

Overdraft Protection

Our Overdraft Protection Account allows you to cover the unexpected opportunity or the occasional overdraft.